function getAd {
  my ($filename) = @_;
  my $result = "<!-- No HTML ad -->; # the HTML

  use FindBin;
  $filename = $FindBin::Bin . "/" . $filename;

  if ( -f $filename )  {
    { 
      local $/;
      open F, "< $filename" or die "Couldn't open '$filename' : $!";
      $result = <F>;
      close F;
  };  
  return $result;
};